FoundersCard Review – Is It Worth It? [2025]

Key Takeaways

• FoundersCard offers exclusive benefits and discounts on travel, business services, and lifestyle brands, including hotel and airline discounts.
• The annual fee for the FoundersCard is $595 per year, with a $95 initiation fee.
• The annual membership fee is offset by substantial savings and benefits for frequent travelers and business users, making it worth it for those who can fully utilize the perks.

The FoundersCard is an interesting beast. In a world of credit cards, points, and miles, the FoundersCard can seem a little lost. It isn’t a credit card — you can’t use it to pay for things — and it’s not going to earn you any points and miles. But it has a number of intriguing benefits that may make it worthwhile to the savvy traveler.

FoundersCard styles itself as a “lifestyle” card catering to small businesses. What does this mean, exactly? Well, it charges a hefty annual fee, and in return you get a number of benefits, including things like hotel elite status, cheaper airline tickets, and even cell phone plan discounts.

In this guide we’re going to break down all the different perks you’ll receive as a FoundersCard holder and whether it’s worth the expensive annual fee.

What Is the FoundersCard?

As we mentioned above, the FoundersCard is a membership card that grants you access to a number of elite statuses and discounts, and even a few free things. Within the world of points and miles it’s certainly unique because, although it offers many of the benefits granted via premium travel credit cards, it is not in and of itself a credit card.

That’s not to say that it can’t offer value, however, and especially if you’re averse to owning credit cards, the FoundersCard can be an option to receive some of those high-end lifestyle perks anyway.

Interestingly, the FoundersCard isn’t just open to everybody — you’ll have to apply for it just like any other card and approval is not instant. It can take up to 2 business days to hear back regarding your application.

How Much Does the FoundersCard Cost?

This depends. The published annual fee for the FoundersCard is $595 per year with a $95 initiation fee, which is pretty high. However, if you can properly take advantage of the benefits FoundersCard offers, it’ll more than pay for itself.

What Benefits Does the FoundersCard Offer?

The FoundersCard actually offers tons of different benefits, although you can’t view them directly on its website unless you’re a member. Instead, you’ll need to sign up for a “preview,” and FoundersCard will send you an email with a link to its benefits page.

That’s a hassle, so we’ve collated all of the benefits we think are most useful, broken down by each category. Let’s take a look.

Hotel Benefits

Most cardholders will probably find their true value in the FoundersCard’s excellent benefits for hotels:

• Hilton Gold Status — Gold status includes free breakfast, increased bonus points, room upgrades, early check-in, late checkout, and complimentary premium internet.
• Marriott Platinum Elite Status Challenge — After 15 paid nights in a 90 day period, you’ll receive Platinum Elite status that includes free breakfast, room upgrades, increased bonus points, early check-in, and late checkout.
• Hotel Chain Partnerships — These partnerships will get you discounts and special privileges (like free breakfast) at certain properties:

Now, you may be wondering if the benefits mentioned above are actually any better than what you can with any other statuses and credit cards you have. The answer is yes — they definitely can be.

Let’s take a look at the Waldorf Astoria Las Vegas. Here’s the standard member rate when booking a basic room at the Waldorf:

$1,000 for 3 nights is pretty steep. At this rate, you won’t receive any additional benefits unless you’re a Hilton Honors elite member.

Fortunately, this hotel also happens to be on Amex’s Fine Hotels & Resorts (FH&R) page. If you’re not familiar with FH&R, it’s a program available to those who hold Amex’s premium cards, including The Platinum Card^® from American Express and The Business Platinum Card^® from American Express.

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer of as high as 175,000 points with the Amex Platinum. Welcome offers may vary and you may not be eligible for an offer.

Its main attraction lies in the additional benefits it’ll give you, which include room upgrades, early check-in, late checkout, and a property amenity (usually something like a $100 food and beverage or spa credit). In this case, they’re offering a $125 property credit. 

Here’s the same stay on Amex’s website — the Waldorf is currently offering your third night free via FH&R:

As you can see, you’ll get a pretty significant discount via Amex, especially when you consider the property credit. Unfortunately, bookings with Amex are considered third-party and thus are not considered eligible to earn bonus points or elite night credit, nor will your elite status with the hotel be recognized (some people have still had success with this, but your mileage may vary).

Now let’s take a look at the rate for FoundersCard members:

FoundersCard rates include a $25 per day property credit and reduced daily resort fees ($39 vs. $45). Your total out-of-pocket cost will be less with FoundersCard, but the amount of property credit you’ll receive on a 3-night stay is $75 vs. $125 with Amex.

The most important thing to note here is that this rate is bookable via Hilton’s website. That means it’s eligible for all elite night credits and bonus point earnings. Your Hilton Honors elite status will also be recognized, which entitles you to free breakfast, room upgrades, etc. That’s well worth the slightly reduced property credit.

This is true for all the hotel chains that have partnered with FoundersCard. Stays at The Ritz-Carlton will earn you Marriott Bonvoy points, stays at the Park Hyatt will earn you World of Hyatt points, etc. This is especially valuable if you’re trying to chase elite status with any of these hotel chains.

Booking Hotels Using Shopping Portals

Another big benefit to booking hotels using the FoundersCard rate is that because you’re booking directly on the hotel website you’ll be able to go through a cash-back portal to earn extra rewards on your purchases.

CashBack Monitor is a great website to check which portals are offering the highest return, and you’ll often see increased bonuses for holidays or other special events. If it’s available, Rakuten is an especially good site to use since it allows you to earn American Express Membership Rewards rather than straight cash-back, effectively doubling the value of your return since we value Amex points at 2.2 cents each.

As an example, at the time of writing, Rakuten is offering 2.5% cash-back on hotels booked with Hilton. On the above stay, you’d earn $19.10 in cash by booking with FoundersCard. If you choose, however, to earn Amex points, you’d receive 1,910 points, which we value at $42.02. This isn’t something you’d be able to do when booking via Amex’s website.

Hot Tip: The FoundersCard no longer comes with Caesar’s Diamond status.

Airline Benefits

Depending on how often you fly, you may be able to find some real value out of the benefits FoundersCard offers. These are mainly small discounts on airlines, though a recent addition means you’ll get 2 different elite statuses thrown into the mix.

FoundersCard is also known for its regularly offered status challenges with different airlines, which will help fast-track you to elite status. Just recently, for example, FoundersCard and American Airlines held a status match challenge for cardholders.

Airline Discounts

• Cathay Pacific — Up to 15%
• Qantas Airways — Up to 25%
• Singapore Airlines — Up to 15%
• United Airlines — Up to 8%

Airline Elite Status

• Cathay Pacific Silver Status — Good for 1 year, gets you lounge access and preferred seating, among other benefits
• Virgin Atlantic Flying Club Silver Status — Achieved after 1 flight with a fast-track option to Gold status

Rental Car Benefits

There are a few different benefits for rental cars, though rental car companies are a sort of hit-or-miss when it comes to renting directly. These benefits may score you a discount over the standard rate, but other websites, such as Autoslash, may be able to find you an even cheaper rate — and though you won’t get a free upgrade or bonus points, the price difference is often stark enough to make up for it.

• Avis Car Rental — Free upgrade and a 15% discount
• Empire CLS — 15% discount
• Hertz — Gold Plus elite status and a 20% discount
• SIXT Rent a Car — Platinum status and a 15% discount
• Zipcar for Business — Up to 15% discount

Hot Tip: Pay for your car with a credit card with rental car insurance to save a bunch of money.

Small Business Benefits

Like we said before, the FoundersCard is targeted towards small-business owners, and that’s obvious when you take a look at the benefits it offers for small businesses. There are tons, but here are a few highlights:

• 20,000 no-additional fee dollars with Stripe
• 40% off Dell everyday products
• Up to 40% off select Think and Lenovo products
• 50% off the first annual subscription of Salesforce Essentials
• Up to 47% off UPS shipping
• Save 20% on Shopify plans
• Up to 55% off at Office Depot
• 1 year complimentary of Phone.com‘s Basic Users Plan
• 30% off plan upgrades for the first 12 months at Slack
• $150 off the first month of any plan for new signups at Zirtual, and an ongoing 10% discount
• Waived membership fees for Fiverr‘s Business Platform Membership for 2 years
• 6 months free of Zendesk Support and Sales CRM
• 40% off Dropbox Business or Plus annual subscription
• 50% discount on a 2x weekly Oasis membership from Industrious
• 20% off Image & Footage Subscription Plans at Shutterstock
• $500k in revenue for free on the Chargebee Launch Plan at Chargebee

Miscellaneous Benefits

Most of the remaining benefits are lifestyle benefits — things that’ll make your life easier, like free fitness classes and discounts at certain stores. Here are a few of the best:

• 15% off the monthly service charge of qualified personal wireless plans or up to $10 off per line, each month, for the Unlimited Elite plan at AT&T
• Complimentary TripIt Pro Membership for 1 year
• Up to 15% of Carey car service
• 30% to 45% discount on Medjet Memberships
• 15% discount at Sonos and Bang and Olufsen
• 30% discount at Adidas and Reebok
• 20% off the monthly membership at obé fitness
• Wheels Up Connect Membership for $1,995

FoundersCard Elite

FoundersCard also has another level of membership — the FoundersCard Elite card offers additional benefits which may make it worth picking up — for at least 1 year. Pricing will vary based on your individual situation, though it can range from $995 to $295 per year. So, what do you get for that extra cash?

• Omni Select Guest Platinum elite status good for 1 year, offering room upgrades, evening turndown, late checkout, double earnings for award nights, and more
• Hertz President’s Circle elite status
• Avis President’s Club elite status
• VIP hotel upgrades and amenities
• $50,000 in no-additional fee payments on Stripe
• 5 hours per year in concierge services
• $5,000 in Amazon Web Services (AWS) Activate credits
• 25% off Bang and Olufsen
• Complimentary companion FoundersCard membership

The most intriguing benefit here is the free companion card. These cards are full-blown membership cards, which means whoever you give it to is going to get all the same benefits as you. This means they’ll have Cathay Pacific Marco Polo Club Silver status, Virgin Atlantic Flying Club Silver status, and more.

While previously the Founderscard Elite membership allowed you to grab the companion card as soon as you upgraded, they’ve since changed their terms. This is now only available upon renewal of your Elite membership — which means you’ll have to wait a year before being able to make this work.

You can also opt to skip the FoundersCard Elite option and choose to instead pay $495 for a lifetime significant other membership. This is a 1-time fee and gives your Player 2 a free FoundersCard as long as you hold yours.

Is the FoundersCard Worth It?

We’ve outlined some of the biggest benefits here, but there are plenty more that the card offers. Of course, none of that means anything if you can’t extract any value from the perks. If you’re a small-business owner who is already using some of the services FoundersCard discounts, this card is a no-brainer.

The question becomes a little more difficult to answer if you’re not doing much business and even murkier if you already hold several credit cards that grant you similar benefits.

On the other hand, if you’re an AT&T user, plan on flying with a Oneworld airline sometime in the next year, want to combine discounted Dell products with a Dell statement credit, or think you can swing the Virgin Atlantic Silver or Gold elite status, there is a lot of value to be had here.

FoundersCard Alternatives

If you’re not feeling the FoundersCard, there are still ways you can get a lot of these benefits via credit cards that stack up pretty well against the FoundersCard for hotel and rental car benefits:

• Amex Platinum card and Amex Business Platinum card — Upon enrollment: Complimentary Marriott and Hilton Gold elite status, Hertz Gold Circle elite status, Avis Preferred membership, and National Emerald Club Executive status (not to mention that the Platinum cards are also the best card for airport lounge access)
• The Hilton Honors American Express Business Card — Complimentary Hilton Gold elite status

Final Thoughts

The FoundersCard isn’t a card for everyone — and it’s not meant to be.

Some will undoubtedly wonder why you’d pay an annual fee for a card that won’t even earn you points and miles, but the honest truth is that if you can make use of even just a few of these benefits, the FoundersCard can certainly be worth your time.

Whether you’re looking for free room upgrades, airline discounts, or no-additional fee payments via Stripe, FoundersCard is there to help you out, all packaged nicely in a luxurious metal card.

The information regarding the FoundersCard was independently collected by Upgraded Points and not provided nor reviewed by the issuer.